JP6731053B2 - 支払トランザクションに関連して車両の接続機能を用いるシステム及び方法 - Google Patents

支払トランザクションに関連して車両の接続機能を用いるシステム及び方法 Download PDF

Info

Publication number
JP6731053B2
JP6731053B2 JP2018529230A JP2018529230A JP6731053B2 JP 6731053 B2 JP6731053 B2 JP 6731053B2 JP 2018529230 A JP2018529230 A JP 2018529230A JP 2018529230 A JP2018529230 A JP 2018529230A JP 6731053 B2 JP6731053 B2 JP 6731053B2
Authority
JP
Japan
Prior art keywords
vehicle
consumer
seller
transaction
authentication information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
JP2018529230A
Other languages
English (en)
Japanese (ja)
Other versions
JP2019503532A (ja
Inventor
チェン リチャード
チェン リチャード
ジェー フリードマン マイケル
ジェー フリードマン マイケル
シャンウォン リー チャールズ
シャンウォン リー チャールズ
ホセ ペレイラ ロペス ヴィトリノ
ホセ ペレイラ ロペス ヴィトリノ
Original Assignee
マスターカード インターナシヨナル インコーポレーテツド
マスターカード インターナシヨナル インコーポレーテツド
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by マスターカード インターナシヨナル インコーポレーテツド, マスターカード インターナシヨナル インコーポレーテツド filed Critical マスターカード インターナシヨナル インコーポレーテツド
Publication of JP2019503532A publication Critical patent/JP2019503532A/ja
Application granted granted Critical
Publication of JP6731053B2 publication Critical patent/JP6731053B2/ja
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0633Managing shopping lists, e.g. compiling or processing purchase lists
    • G06Q30/0635Managing shopping lists, e.g. compiling or processing purchase lists replenishment orders; recurring orders
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
JP2018529230A 2015-12-07 2016-12-07 支払トランザクションに関連して車両の接続機能を用いるシステム及び方法 Active JP6731053B2 (ja)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US201562264203P 2015-12-07 2015-12-07
US62/264,203 2015-12-07
US201662312157P 2016-03-23 2016-03-23
US62/312,157 2016-03-23
PCT/US2016/065323 WO2017100282A1 (fr) 2015-12-07 2016-12-07 Systèmes et procédés permettant d'utiliser une connectivité de véhicule en association avec des transactions de paiement

Publications (2)

Publication Number Publication Date
JP2019503532A JP2019503532A (ja) 2019-02-07
JP6731053B2 true JP6731053B2 (ja) 2020-07-29

Family

ID=57589258

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2018529230A Active JP6731053B2 (ja) 2015-12-07 2016-12-07 支払トランザクションに関連して車両の接続機能を用いるシステム及び方法

Country Status (7)

Country Link
US (3) US10467682B2 (fr)
EP (1) EP3387604A1 (fr)
JP (1) JP6731053B2 (fr)
KR (1) KR20180090866A (fr)
AU (1) AU2016365707B2 (fr)
CA (1) CA3007086C (fr)
WO (1) WO2017100282A1 (fr)

Families Citing this family (27)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3387604A1 (fr) 2015-12-07 2018-10-17 Mastercard International Incorporated Systèmes et procédés permettant d'utiliser une connectivité de véhicule en association avec des transactions de paiement
US11105142B2 (en) * 2016-05-18 2021-08-31 Continental Automotive Gmbh Door operating system
US11068837B2 (en) * 2016-11-21 2021-07-20 International Business Machines Corporation System and method of securely sending and receiving packages via drones
KR20180095388A (ko) * 2017-02-17 2018-08-27 현대자동차주식회사 차량 결재 방법 및 시스템
US10189425B2 (en) 2017-05-02 2019-01-29 Agero, Inc. Using data collected by a personal electronic device to identify a vehicle
US10462608B1 (en) 2017-07-31 2019-10-29 Agero, Inc. Estimating orientation of a mobile device with respect to a vehicle using global displacement information and local motion information
CN107704895A (zh) * 2017-08-17 2018-02-16 阿里巴巴集团控股有限公司 一种业务执行方法及装置
JP6984323B2 (ja) * 2017-11-01 2021-12-17 トヨタ自動車株式会社 情報提供システムおよびサーバ
JP6922661B2 (ja) 2017-11-01 2021-08-18 トヨタ自動車株式会社 サーバおよび情報提供システム
CN109544961A (zh) * 2018-12-09 2019-03-29 长沙贤正益祥机械科技有限公司 便于用户参与救援共享车辆的方法、车辆、系统及服务器
CN109410642B (zh) * 2018-12-09 2020-12-01 温州普睿达机械科技有限公司 一种共享车辆及其防盗系统和防盗方法的改进
CN109842678B (zh) * 2019-01-25 2021-11-12 深圳市元征科技股份有限公司 一种车辆共享方法及装置
US11403624B2 (en) 2019-04-01 2022-08-02 Honda Motor Co., Ltd. System and method for layered authorization to manage a payment wallet for in-vehicle payments
KR102084583B1 (ko) * 2019-05-24 2020-03-04 파킹클라우드 주식회사 차량용 디지털 키를 이용한 결제를 위한 전자 장치, 방법 및 컴퓨터 프로그램
KR102751289B1 (ko) * 2019-09-18 2025-01-09 현대자동차주식회사 차량 결제 시스템 및 방법
US11805160B2 (en) 2020-03-23 2023-10-31 Rovi Guides, Inc. Systems and methods for concurrent content presentation
CN117592983A (zh) * 2020-04-20 2024-02-23 车主邦(北京)科技有限公司 车辆支付电子标签识别方法
CN111539703B (zh) * 2020-04-20 2023-10-24 车主邦(北京)科技有限公司 支付异常处理方法及系统
US20210350353A1 (en) * 2020-05-07 2021-11-11 Denso International America, Inc. System and a method for payments on an in-vehicle computer systems
US11790364B2 (en) 2020-06-26 2023-10-17 Rovi Guides, Inc. Systems and methods for providing multi-factor authentication for vehicle transactions
US11599880B2 (en) 2020-06-26 2023-03-07 Rovi Guides, Inc. Systems and methods for providing multi-factor authentication for vehicle transactions
US11180048B1 (en) 2020-07-01 2021-11-23 Toyota Motor North America, Inc. Transport-based exchange of electrical charge and services
US11999247B2 (en) 2020-07-01 2024-06-04 Toyota Motor North America, Inc. Providing transport to transport energy transfer
US12211061B2 (en) 2020-07-31 2025-01-28 Adeia Guides Inc. Systems and methods for providing an offer based on calendar data mining
US11718269B2 (en) * 2020-11-23 2023-08-08 Rakuten Group, Inc System and method for device tracking and contactless order delivery and pick up
US12182896B2 (en) * 2022-01-14 2024-12-31 Toyota Motor North America, Inc. Completing a transaction by a transport
DE102024109101A1 (de) * 2024-03-28 2025-10-02 Bayerische Motoren Werke Aktiengesellschaft Mitfahrerorganisationssystem für ein Fahrzeug und Verfahren zur digitalen Mitfahrerorganisation in dem Fahrzeug

Family Cites Families (44)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020004783A1 (en) 1997-11-12 2002-01-10 Cris T. Paltenghe Virtual wallet system
JP3879263B2 (ja) 1998-07-13 2007-02-07 カシオ計算機株式会社 携帯情報端末装置及び記録媒体
JP3959219B2 (ja) 2000-01-31 2007-08-15 クラリオン株式会社 車両無線データ通信システム
JP2002288286A (ja) * 2001-03-23 2002-10-04 Toshiba Corp 車両管理システムを利用したビジネス支援システムおよびその支援方法
JP2004178141A (ja) 2002-11-26 2004-06-24 Hitachi Ltd 不正使用防止機能付きicカード
US7343174B2 (en) 2003-04-23 2008-03-11 At&T Knowledge Ventures, L.P. Wireless electronic drive-thru system and method
CA2583741C (fr) * 2004-10-15 2014-10-14 Verisign, Inc. Un algorithme servant a creer et valider un mot de passe a usage unique
JP2006206225A (ja) 2005-01-26 2006-08-10 Denso Corp 配達物受取システム、車両用配達物受取装置、車両による配達物の受取方法
US20060176146A1 (en) 2005-02-09 2006-08-10 Baldev Krishan Wireless universal serial bus memory key with fingerprint authentication
WO2006094048A2 (fr) 2005-03-01 2006-09-08 Id-Confirm, Inc. Systemes et procedes d'authentification biometrique
WO2008147457A1 (fr) 2006-11-22 2008-12-04 Cox Mark A Dispositif de transaction de point de vente équipé d'un émulateur de bande magnétique et d'une authentification biométrique
US20080221743A1 (en) 2007-03-09 2008-09-11 Gordon * Howard Associates, Inc. Onboard Starter-Interrupt Device Incorporating Wireless Personal Area Network
US7796056B2 (en) * 2007-03-28 2010-09-14 Fein Gene S Digital windshield information system employing a recommendation engine keyed to a map database system
KR20250099420A (ko) 2007-09-24 2025-07-01 애플 인크. 전자 장치 내의 내장형 인증 시스템들
CN101960497B (zh) 2007-12-26 2015-09-30 约翰逊控制技术公司 管理车辆中商务的系统和方法
US8718866B2 (en) 2008-06-13 2014-05-06 Ford Global Technologies, Llc System and method for controlling an occupant communication device based on driver status
JP5183514B2 (ja) 2009-01-30 2013-04-17 東芝テック株式会社 決済システム
US20100233957A1 (en) 2009-03-11 2010-09-16 Delphi Technologies, Inc. Vehicle Personalization Using A Near Field Communications Transponder
JP2013504126A (ja) 2009-09-04 2013-02-04 セーケ トーマス データ交換を認証および制御する個別の形式を備える個人用多機能アクセス装置
US20110238476A1 (en) 2010-03-23 2011-09-29 Michael Carr Location-based Coupons and Mobile Devices
US8401230B2 (en) * 2010-11-01 2013-03-19 Xerox Corporation Signature based drive-through order tracking system and method
CA2835508A1 (fr) 2011-05-10 2012-11-15 Dynamics Inc. Systemes, dispositifs et procedes pour une acceptation de paiement mobile, des autorisations mobiles, des portefeuilles mobiles et des mecanismes de communication sans contact
US9003492B2 (en) * 2011-06-21 2015-04-07 Qualcomm Incorporated Secure client authentication and service authorization in a shared communication network
FR2977221B1 (fr) 2011-06-30 2014-06-06 Ier Systems Procede et systeme de personnalisation a la volee d'un vehicule propose a la location.
US8473748B2 (en) 2011-09-27 2013-06-25 George P. Sampas Mobile device-based authentication
EP2584485A1 (fr) 2011-10-21 2013-04-24 Gemalto SA Procédé, dispositif et système pour entrer des données
CN103186872B (zh) 2011-12-30 2018-10-02 上海博泰悦臻电子设备制造有限公司 基于车载设备的交易系统和交易方法
KR101375147B1 (ko) 2012-01-13 2014-03-17 숙명여자대학교산학협력단 엔스크린 기반 능동적 모바일 광고 방법 및 시스템
WO2013134537A1 (fr) 2012-03-07 2013-09-12 Local Motion, Inc. Appareil et procédés destinés à louer et à contrôler l'occupation d'un véhicule
US8805725B2 (en) 2012-06-18 2014-08-12 Bank Of America Corporation Payment vehicle recommendations based on payment rules
US20140131432A1 (en) 2012-11-12 2014-05-15 Maximilian A. Chang Vehicular-Based Mobile Payment System And Method
US9111277B2 (en) * 2012-12-20 2015-08-18 Mastercard International Incorporated Methods and systems for processing electronic transactions and managing vehicle costs
US10387824B2 (en) * 2012-12-21 2019-08-20 United Parcel Service Of America, Inc. Systems and methods for delivery of an item
US10332104B2 (en) 2013-08-01 2019-06-25 Intel Corporation Techniques for an in-vehicle electronic wallet
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
WO2015062637A1 (fr) 2013-10-29 2015-05-07 Telefonaktiebolaget L M Ericsson (Publ) Procédé et appareil d'attribution de données de profil à un ou plusieurs sous-systèmes de véhicule d'un véhicule, de même que carte de circuits intégrés et programme informatique d'exécution du procédé ainsi que véhicule équipé de cet appareil
KR102077659B1 (ko) 2013-12-31 2020-04-07 주식회사 케이티 무선랜 장치 및 상기 무선랜 장치를 이용한 차량 인증 방법
US9391988B2 (en) 2014-06-04 2016-07-12 Grandios Technologies, Llc Community biometric authentication on a smartphone
US20160071082A1 (en) 2014-09-05 2016-03-10 Ebay Inc. Automated splitting of costs incurred during a shared vehicle travel
US9953151B2 (en) 2015-02-03 2018-04-24 Chon Hock LEOW System and method identifying a user to an associated device
WO2017008013A1 (fr) 2015-07-09 2017-01-12 Mastercard International Incorporated Systèmes et procédés destinés à être utilisés dans l'authentification d'individus, en connexion avec la fourniture d'accès à des individus
SG10201508868RA (en) 2015-10-27 2017-05-30 Mastercard International Inc Method and system for performing commercial transactions relating to or purchased from a vehicle
EP3387604A1 (fr) 2015-12-07 2018-10-17 Mastercard International Incorporated Systèmes et procédés permettant d'utiliser une connectivité de véhicule en association avec des transactions de paiement
US20180342001A1 (en) 2017-05-26 2018-11-29 Mastercard International Incorporated Systems and Methods for Use in Personalizing Vehicles Based on User Profiles

Also Published As

Publication number Publication date
WO2017100282A1 (fr) 2017-06-15
EP3387604A1 (fr) 2018-10-17
CA3007086C (fr) 2021-09-21
AU2016365707B2 (en) 2020-06-25
CA3007086A1 (fr) 2017-06-15
US20180260882A1 (en) 2018-09-13
AU2016365707A1 (en) 2018-06-21
JP2019503532A (ja) 2019-02-07
US20200020022A1 (en) 2020-01-16
US10467682B2 (en) 2019-11-05
US20170161820A1 (en) 2017-06-08
US11093997B2 (en) 2021-08-17
KR20180090866A (ko) 2018-08-13
US10424007B2 (en) 2019-09-24

Similar Documents

Publication Publication Date Title
JP6731053B2 (ja) 支払トランザクションに関連して車両の接続機能を用いるシステム及び方法
US9215590B2 (en) Authentication using vehicle data pairing
US10990109B2 (en) Integrated connectivity of devices for resource transmission
US10685569B2 (en) System for communicable integration of an automobile system and a drive-through system
EP3400572B1 (fr) Accès à bord d'un véhicule
US20190147513A1 (en) Telematics computer system and method for mobile wireless retail order processing and fulfillment
US8694456B2 (en) Predicting future travel based on a user's historical financial institution transaction data and providing offers based on the predicted future travel
US9324091B2 (en) Location based mobile user selected time, location, and number limited automatic location based reserve and redeem discounts on products or services with automatic security and feedback features
US10032212B2 (en) System and method for location based secure ordering and payment
US11657374B2 (en) In-vehicle payment system and method
US10655974B2 (en) System for providing real-time routing and data services for user events based on real-time vehicle location
US20150310434A1 (en) Systems and methods for implementing authentication based on location history
JP6900509B2 (ja) 共通料金支払い及び収受システム
KR102900993B1 (ko) 정보 처리 방법, 프로그램 및 단말
US20130046631A1 (en) Providing offers to users determined to be travelling based on point-of-sale transaction data
US20130046625A1 (en) Providing financial institution information or offers to user that are determined to be or will be travelling
JP2020526807A6 (ja) 共通料金支払い及び収受システム
US20130046633A1 (en) Determining merchants in a travel location that are the same or similar to merchants used by a user and providing merchant information to the user
US20150228017A1 (en) Methods and systems for approval of credit
JP2020102081A (ja) 車両管理サーバおよびコンピュータプログラム
US20120278237A1 (en) Method, System and Mobile Device for Distributing Gift Certificate
US20250315813A1 (en) System, Method, and Computer Program Product for On-Vehicle Electronic Fee Collection
JP2020102080A (ja) 使用クーポン検証サーバおよびコンピュータプログラム

Legal Events

Date Code Title Description
A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20180807

A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20180807

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20190624

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20190723

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20190906

A02 Decision of refusal

Free format text: JAPANESE INTERMEDIATE CODE: A02

Effective date: 20200218

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20200413

A911 Transfer to examiner for re-examination before appeal (zenchi)

Free format text: JAPANESE INTERMEDIATE CODE: A911

Effective date: 20200421

TRDD Decision of grant or rejection written
A01 Written decision to grant a patent or to grant a registration (utility model)

Free format text: JAPANESE INTERMEDIATE CODE: A01

Effective date: 20200623

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20200703

R150 Certificate of patent or registration of utility model

Ref document number: 6731053

Country of ref document: JP

Free format text: JAPANESE INTERMEDIATE CODE: R150

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250

R250 Receipt of annual fees

Free format text: JAPANESE INTERMEDIATE CODE: R250